AmerUs Life Insurance Company®
Des Moines, IA A.M. Best Rated A

Independent Choices:

As an AmerUs Life producer, you can have access to an innovative new fixed premium life insurance product. Featuring unique premium allocation options, Independent Choices is designed to help your clients play a more active role in the management of their premium dollars while providing safety, security, and guarantees similar to those of a whole life policy.

Issue Ages: (Age Nearest Birthday)
Non-Tobacco	0-85
Preferred	18-75
Tobacco	18-75 Years
Underwriting:
Face amounts	Underwritten classifications
$50,000 to $99,999	Preferred Non Tobacco Non Tobacco Preferred Tobacco Tobacco
$100,000 and above	Premier Preferred Non Tobacco Preferred Tobacco Tobacco Substandard through Table 8

Product Features:

• Guaranteed Premium
• "New Money" interest crediting method
• Two premium allocation options:may reallocate each premium between accounts
    -Five-Year Fixed- Term Interest Account
    -Five -year Equity Indexed Account **
• 100% Participation
• Basic Interest Account
    -Automatically holds funds to pay for the next 12 months insurance charges
    -All excess funds are allocated to the Fixed Term and/or Equity Indexed Account
• Death Benefit guaranteed for insured's lifetime if premium is paid
• Guaranteed cash value to age 100
• Automatic Premium Loan available
• Reduced paid-up insurance feature
• Four underwriting classes
• No maturity date (illustrated to age 110)
• No surrender charge after 15 years
• Automatic premium payment is available after ten years, subject to non-guaranteed cash value
• Full range of riders available
• Will accept 1035 funds
• Better than zero % spread

AmerUs Life Insurance Company®
Des Moines, IA A.M. Best Rated A

The Foundation Builder Plus:

This flexible premium Equity Indexed Universal Life product is designed for anyone who wants affordable permanent protection with strong cash value accumulation. The Foundation Builder Plus can be used in various markets such as personal market, business market and estate planning market.

Issue Ages:
Ages 0-85
Minimum Face Amount	Minimum Guaranteed Interest Rate
$25,000	3%

Product Features:

• Flexible premium (single life) universal life design
• "New Money" interest crediting method
• Three premium allocation options:May reallocate each premium between accounts.
    -Basic Interest Account
    -Five-Year Fixed- Term Interest Account
    -Five -year Equity Indexed Account **
• 100% Participation!
• No lapse guarantee death benefit for five years, and 15 years with specified minimum premium payments (through issue age 75; all table ratings)
• Four underwriting classes
• No maturity date (illustrated to age 110)
• No surrender charge after 15 years
• Full range of riders available **
• Better than zero % spread

Interest Crediting Strategy:

Foundation Builder Plus uses a "new money" approach of interest crediting. Premiums received earn interest effective the day they are received. This rate may vary from the interest rate credited on other monies received at other times. All interest rates are on an annual effective basis.

Riders Available:

Guaranteed Purchase Option Rider, Additional Insured Rider, Primary Insured Rider, Waiver of Monthly Deduction, Accidental Death Benefit, Children's Insurance Rider, Accelerated Benefits Rider.

**May not be available in all states

Conseco Life Insurance Company®
Carmel, IN A.M. Best Rated A-

Indexed UL2:

The Conseco Indexed UL2 is a flexible- premium, nonparticipating universal life insurance contract with a guaranteed minimum interest rate and the possibility for accumulation account growth linked to the S&P 500®*. The policy also offers a death benefit guarantee rider, which guarantees the policy to stay in force for 20 or 30 years.

Issue Ages: (Age Nearest Birthday)
Non-smoker Select	0-85
Select	15-85
Minimum Face Amount
Issue Ages 0-59	$25,000
Issue Ages 60-85	$10,000
Face Amount Bands:
Band 1	$10,000-$99,999
Band 2	$100,000-$249,999
Band 3	$250,000 and above
Guaranteed Interest Rate
3%	$10,000-$99,999

Product Features:

• Rider options allow custom design
• Interest Bonus
• Extremely competitive COI charges
• Zero spread loans
• Monthly averaging point to point

Riders Available:

Accidental Death Benefit Rider, Children's Term Insurance Rider, Death Benefit Guarantee Rider, Disability Income Rider, Life Insurance Protection Rider, maturity Date Extension Rider, Spouse Level Term Insurance Rider, Unemployment Rider, Waiver of Planned Periodic Premium Rider.